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eCredable provides credit-building services to people trying to build stronger credit scores. Good credit scores are essential to receiving better financial terms when applying for credit cards or any type of loan.

eCredable Business Lift can help raise your business scores at multiple business credit bureaus simultaneously! Included in eCredable Business Lift plans, your subscription is reported as a new account to D&B, Experianand Equifax. D&B adds this account to your D&B credit report, which helps strengthen your credit profile. Experian and Equifax recognize this as a NET 30 account and will help you raise the following credit scores:
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1. Experian Intelliscore
2. Equifax Credit Risk Score
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Additionally, eCredable enables you to report eligible business accounts to Equifax to raise your Equifax business credit score!

You can automatically link and report unlimited accounts with companies we connect to. We connect to eligible utility companies, vendors, suppliers and business service providers across the U.S. When linking your accounts, we can securely download your account details and up to 24 months of payment history directly from your online account on the provider's website. Then, the accounts are automatically reported to Equifax monthly.

Included in the eCredable Business Lift plans, the subscription is reported as a new account to D&B, Experian and Equifax. D&B adds this as a tradeline to your D&B credit report which helps thicken your credit file. Experian and Equifax recognize this is a NET 30 account and will help you raise the following credit scores:

1. Experian Intelliscore
2. Equifax Credit Risk Score

Additionally, business accounts that you link can be reported to Equifax.

eCredable reports to the participating business credit bureaus on the 1st of every month.

We make it as easy to cancel as it is to sign up. You can cancel your eCredable Business Lift subscription anytime through your account dashboard. Please follow these steps to cancel:

1. Log in to your eCredable Business Lift account [click here].
2. On your dashboard, click "Subscription.
3. "Click "Cancel Subscription" and confirm your cancellation.

By Canceling Your Subscription, You'll Lose Access To:
1. Tradeline Reporting: eCredable subscription tradeline reporting to D&B, Equifax and Experian helps you raise your business credit scores.
2. Non-Financial Account Reporting: Additional reporting to Equifax that helps raise your Equifax business credit scores.
3. Business Growth: Qualify for better business credit cards and funding opportunities to grow your business.

If you choose to cancel despite the valuable benefits of eCredable Business, please follow the steps above. However, if there's anything we can do to improve your experience or address your concerns, please don't hesitate to let us know. We're here to help.

We offer 24/7 online support via Eva (eCredable Virtual Assistant), online tickets, LiveChat and an interactive help center where you can find FAQs, how-to guides, videos, a variety of topics related to credit and much more. eCredable Care team members are real, friendly humans. We love answering questions, solving problems and helping you on your lifelong credit-building journey. We use various technologies to provide support effectively and efficiently:

If you need help, please use the following options.

1. EVA, eCredable Virtual Assistant - She's available 24/7/365 by clicking the help bubble in the bottom right-hand corner of the site
2. eCredable Care Ticket - agents monitor tickets 24/7 and reply within 24-48 business hours. This can be found here
3. eCredable Care LiveChat - agents are available on the site Monday - Friday between 9 AM and 5 PM EST on eCredable
4. eCredable Care Help Center - this is available 24/7/365. You can find FAQs, how-to-videos, a variety of topics related to credit and more here

eCredable phone number: 888-732-7337

To see the eCredable Business products pricing page, go here!

eCredable reports monthly! So, you can expect your accounts to be reported within 30 days.

When your company applies for a line of credit, the creditor will check one or more of your business credit reports and their associated scores. A creditor can be a supplier (like an office supply company) or a lender (like a bank, credit union, or credit card company). There are a variety of “business credit bureaus” that collect and manage information about your company. D&B, Equifax, Experian, and Creditsafe are examples of some of the more well-known repositories of business credit information.

No worries! You may still be able to report that account through On-Demand Account Verification. To learn more about On-Demand Account Verification, go here.

No, eCredable does not provide business credit scores.

Yes! All of your personal information is protected in a secure database using multi-layer security and data encryption. State-of-the-art security measures are designed directly into the eCredable platform.

Business credit profiles are used to generate credit reports and credit scores that lenders, vendors, and suppliers use when evaluating your business credit. Adding accounts with positive payment history to your business credit files improves your business credit scores and increases your ability to qualify for affordable loans and credit lines

It would be easier to say which accounts you CAN'T report! With eCredable Business Lift, you can report just about any business account used in your business operation as long as it is being paid monthly, bi-monthly, or quarterly.The following account types are NOT ELIGIBLE to be reported to participating business credit bureaus:

To learn more about how you can report your business accounts with eCredable, see the "How do I link accounts?" article here!

D&B does not require eCredable to collect your DUNS number for reporting purposes. When eCredable reports your eCredable Business Lift subscription to D&B, we report your business name, address and EIN. D&B uses this information to match your eCredable Business Lift subscription to your D&B credit file

Benchmarking is a process where you measure your company's success against similar companies to assess the performance gap that can be closed by improving your performance. Studying other companies can illuminate what you need to focus on to enhance your company’s efficiency and profitability to become more competitive.

The data that powers benchmarking in Business Lift+ comes from the tax return data of over 30 million anonymized businesses in the United States. Your firmographic information is used to help compare the tax data of your business so that the metrics you see represent benchmarks to similar businesses.

Firmographic data is information that can be used to categorize organizations, such as geographic area, number of customers, type of organization (by NAICS code), industry, number of employees and so on.

Designations such as public or private corporations, non-profits or charitable organizations, are important and relevant data. Data such as name, address, or CEO are not part of the firmographic description of a company.Benchmarking data is based on the most recently available business tax returns from the IRS

All of the information available to you with eCredable Business Lift Insights was carefully prepared to allow you to use this information without any further direction. If you need further assistance in interpreting the information, you should consult your accountant or banking professional. They are best suited to address questions unique to your particular business situation.

For issues related to using eCredable Business Lift Insights, please contact eCredable Care through our Help Center.

https://ecredablebusinesscare.zendesk.com/hc/en-us

No, unfortunately we do not have this functionality at this time. We routinely improve the capabilities of the product, so stay tuned for updates.

As a company involved with sensitive business data, best in class security is vital. No compromises. Built using technologies tried and tested in the finance industry our system utilizes technology and software best practices. We continue to test and re-test our architecture to ensure it meets the high level of security our customers expect.

eCredable Business Lift Insights checks your accounting data once every 24 hours. If there have been any changes since the last update, the data will be updated and re-analyzed. Due to the timing of this update cycle, it may take as long as a full day before you see any changes to your information.

You should try to re-sync your data. If there was an interruption in the process, some or all of the information may not have been correctly updated.eCredable Business Lift Insights is using your accounting package's data to display your information so make sure your accounting data is up to date.

If something still looks wrong, please contact us through our Help Center:

‍https://ecredablebusinesscare.zendesk.com/hc/en-us

The historical cash number is derived from the bank account balances we see in your accounting package along with any transactions in the past. Forecasted cash is a combination of the cash balances we see along with our recurring forecast and events that you may have added. High and low projections of cash indicate the variation that may have been implied by your accounting data's transactions.

The second option for linking your accounts on eCredable is On-Demand Account Verification. This is for accounts you want to link that are not listed. Due to provider site limitations and major business credit reporting requirements, eCredable is unable to automatically connect to every website or system to report your accounts. However, we recognize that businesses have a wide range of accounts, and we want to help you get credit for as many of them as possible!

The On-Demand Account Verification authorizes eCredable to verify your account information and up to 24 months of payment history using digital statements that you upload to eCredable. On-Demand Account Verifications cost $24.95 per account, per request. To set this up, please see below:

Step one:
1. Add accountSelect +Add New OnDemand Verified Account.
2. Review and accept the eligibility criteria for reporting, then click Next.
3. Input the company information for the account, and your account number (use N/A if not applicable), and click Save.

Step two:
Order On-Demand Account Verification
2. Go to Account Verifications.
3. Review and accept the eligibility criteria for reporting, then click Order On-Demand Account Verification.
4. Select the accounts you wish to have verified and click Next.Review and agree to the terms and conditions of the verification process and click Next.
5. Select Submit Payment and complete checkout.

Step three: Upload digital statements
1. Go to Settings
2. Select Files
3. Select + button
4. Choose Select files
5. Select files from your computer
6. Click Open

Most accounts take 3-5 business days to be verified. Once the account is verified, it will report to Equifax within 30 days.

eCredable wants your business credit report(s) to be as accurate as possible. If you find inaccurate information, you should dispute the inaccurate information as quickly as possible.You may submit a dispute:

Once eCredable receives your dispute, we will immediately begin a re-investigation of the inaccurate information. You will be notified promptly upon completion of the dispute. Occasionally, you and the service provider may disagree on the information. eCredable is obligated to report account information as the service provider re-verifies it.

Verification of your accounts is a labor-intensive process that includes multiple actions such as verification of the service provider as a legitimate business entity, verification of any provided account documentation, and at least one - and often multiple calls - to each service provider. Faxing information or a conference call between you, the verifier and the service provider is not uncommon. All verifications are performed by FCRA-certified verification specialists who are specifically trained to verify credit accounts and understand all aspects of the Federal Laws, Fair Credit Reporting Act (FCRA), Fair and Accurate Credit Transaction Act (FACTA), Equal Credit Opportunity Act (ECOA), as well as Federal and State Laws regarding privacy and security of information. The work they perform ensures the accuracy and authenticity of your account information and payment history.

The verification cost is $24.95 (twenty-four dollars and ninety-five cents in US Dollars) to manually verify any account. Verification fees are NOT refundable. This is because once you submit your Verification Order, it is immediately routed to our Verification Partner and work begins on your verification almost immediately.

When a service provider is asked to verify customer account and payment information, they want to know that the entity making the request has their customer’s permission. By signing the eCredable Consumer Authorization Form, you are providing the service provider with your permission to give the eCredable the information they need to verify your account. Without the completed authorization form, the verifier cannot begin work on your verification request.

Place the verification order from MY VERIFICATIONS on your eCredable account Dashboard. The verification process will generally be completed in 3-5 business days. However, some creditors or landlords may take longer depending on responsiveness or their verification policies. You can log in to your account at any time to view the status of your verification requests by simply clicking “My Verifications” from your eCredable dashboard.

It is particularly important that you enter all your business account information accurately. Errors in this information can result in a rejection of your verification request, unnecessary delays in processing the verification order and possible additional verification charges.

Please note - verifications cannot begin until we receive ALL required documentation, including the eCredable Consumer Authorization.

Once an account is manually verified and reported to business credit bureaus, it remains on your business credit report until the bureau “ages” the payment history over time and allows it to drop off the report. Each business credit bureau will have its own policy for how many months or years of payments they report on business accounts. Additionally, each bureau will have its own policy for how long it will report closed or inactive accounts.

In the event your business credit score isn’t as high as you need it to be, there are a couple of ways manually verifying your accounts might help.

1. Adding Months of Payment History to a Linked Account: When you link your business phone, internet, or utilities, eCredable will attempt to download all the available payment history in your online account on the service provider’s website-up to 24 months. If your account is 24 months old, but 24 months of payment history was not available for download, the additional payment history can be manually verified and reported to business credit bureaus to be added to your business credit report(s). In this event, you would place a verification order for the account(s) which you wish to have verified, and eCredable will take care of the rest. The account(s) payment history will be manually verified by eCredable’s verification partner and reported the next time eCredable sends updates to the business credit bureau(s). Reporting additional on-time payment history can have a positive impact on your business credit score(s).

2. Adding an Eligible Unlinked Account: eCredable works with some business credit bureaus that will accept eligible accounts you are unable to link, such as office rent, business insurance, business services, office furniture, equipment leases and legal services. Reporting these types of accounts may also have a positive impact on your business credit score(s).

NOTE: At this time, eCredable ONLY reports manually verified accounts to Equifax, and Creditsafe. Manually verified accounts will only be reported once per verification order and will age naturally over time in your Equifax and Creditsafe Credit Report. Each business credit bureau has its own credit reports and policies regarding information aging, but it's typical that accounts drop off your business credit reports after 36 months if they have not been updated.

To be considered an Eligible Business Account, payments must be made monthly, or no less than quarterly, for business expenses such as:

1. Office/warehouse/storage rental
2. Furniture and equipment leasing
3. Business Insurance
4. Accounting
5. Marketing
6. Payroll
7. Advertising
8. Legal

Service providers must be a) readily recognized as a legitimate business entity, or b) verifiable in accordance with eCredable’s internal verification standards. eCredable reserves the right to determine the eligibility of any service provider. If a provider is accepted, the payment information it provides can include up to 24 months of payment history, which can include prompt, slow, or past due payments.

Accounts not eligible for manual verification include, but are not limited to:

1. Financial services such as banks and credit unions, credit card companies
2. Business credit counseling
3. International companies
4. Accounts paid to a business or individual that cannot be verified as a legitimate business entity

Utility companies typically do not have more than 24 months of payment history accessible in your online account. There may be times when the actual open date for an account is unable to be determined according to the information found in your statements on the utility company’s website. In this case, an account Open Date is determined by the oldest statement we can retrieve from your online account on the utility company's website, per our reporting requirements determined by the various credit bureaus we report to.

There may be instances where your service provider is already reporting your payment history to one or more of the business credit bureaus. In this case, the information provided by eCredable will not be used by the business credit bureau that is already receiving this information

All your personal information is protected in a secure database using multi-layer security and data encryption. When you link your account to your eCredable Small Business profile, you are providing us with read-only access. Read-only Access means eCredable has no ability to change any information on your service provider’s website. Your Username, Password and Account Number are encrypted and protected by multiple layers of security during storage and are always transmitted using 256-bit SSL encryption

This is entirely up to you. If eCredable is unable to download 24 months of payment history for any of your business accounts, you may request that eCredable manually verify the additional payment history for you with your service provider. Reporting any additional on-time payment history may have a positive impact on your business credit score(s). For more information on verifications see: About Verification FAQs here.

Each service provider has its own method of displaying its customers’ payments in their online accounts. Some providers may provide years of payment history, while others may provide as little as the most recent 6-12 months. eCredable has no control over the amount of information the service provider has chosen to provide but will attempt to download all your payment history that is available online. What is available for download may differ from what is viewable by you on the site.

eCredable will need your account login information to securely access your online account to download your account information and payment history. Access to your account will be limited to this download activity. eCredable will not access your account for any other purpose or perform any other activity in your account other than this expressly authorized purpose.

You can link an unlimited amount of eligible business accounts; power, gas, water, mobile phone, cable TV, satellite TV, internet and landline, at any one time.

Bundled accounts are treated differently by different providers. If your account with your service provider contains multiple services (e.g., cable/satellite, internet, or landline combined on one bill), and each service has a separate account number, we will treat each account number as a separate account and report the accounts individually. If your service provider treats all the services as one account, with only one account number used for payment, we will treat the bundled account as a single account.

eCredable will attempt to download all the payment history the service provider makes available in your online account,up 24 months.NOTE: eCredable does not guarantee the amount of payment history that can be automatically downloaded from your service provider. The number of months of payment history varies by service provider. For technical reasons beyond eCredable’s control, the number of months of payment history available for download may not represent all months of payment history viewable by you in your online account on the service provider’s website.

Your name must be on the account, you must be contractually responsible for payment, and all accounts must be used in the operation of your business. For example, if you write off a portion of your home/apartment on your taxes as a business expense, you can link all utilities associated with your dwelling as a business account

Eligible business accounts include Power, Gas, Water, Mobile Phone, Cable TV, Satellite TV, Internet, and Landline accounts. Currently, any other account type such as office rent, business insurance, business services, office furniture, equipment leases, and legal services cannot be linked at this time.They may be reported after requesting an On-Demand Account Verification.

Linking your business phone, internet and utility accounts allow us to securely download the account information and payment history. eCredable can report the information to business credit bureaus which will create a business credit report and score for your company. Linking your eligible accounts:
1. Will automatically download as much payment history as is available in your online account on the service provider's websiteup to 24 months.
2. Payment history downloaded through linking your accounts is considered “verified”.
3. Automatically updates your monthly payments at eCredable so we can report them to business credit bureaus.
4. Can save you time and money versus having to manually verify all your business accounts

No! Just by signing up for eCredable Business Lift, we’ll automatically report your eCredable Business Lift Subscription as an account to D&B (Dun & Bradstreet), Experian and Equifax every month. After signing up, it will appear on your business credit reports within 30-45 days.

eCredable Business Lift is the fastest way to raise your D&B, Experian, Equifax and Creditsafe business credit scores simultaneously, so you can qualify for the best business credit and lending terms, including the lowest interest rates and fees so you can grow your business.

1. D&B PAYDEX Score
2. Experian Intelliscore
3. Equifax Credit Risk Score
4. Creditsafe Credit Score

Included in the eCredable Business Lift plan, we’ll automatically report your eCredable Business Lift Subscription as a new NET-30 account to all major business credit bureaus:D&B, Experian, Equifax and Creditsafe every month. All four business credit bureaus recognize the eCredable Business Lift subscription as a NET-30 tradeline.

Also, eCredable is the only company empowering business owners to report just about any recurring business account used in the operation of their business to multiple business credit bureaus. There are two ways eCredable enables you to report your business accounts to participating business credit bureaus. Accounts established in the name of your business can be reported to Equifax and Creditsafe. Accounts established in the business owner's name can only be reported to Creditsafe.

Thank you for choosing eCredable!

eCredable reports to Dun & Bradstreet (D&B), Equifax, Experian and Creditsafe. First, we report the eCredable Business Lift subscription as an account to D&B, Experian and Equifax. Second, accounts that you link are reported to Equifax and Creditsafe.

Most of the business credit bureaus will accept your payments for monthly expenses like your business rent or lease, utility payments and telecom payments. Most of these companies do not report your monthly payments to the business credit bureaus, so you don’t get the benefit of paying these bills on time. eCredable allows you to have this information reported to one or more of the business credit bureaus which will enhance your business credit report(s) and score(s).

Many computer companies will extend you a line of business credit. Some office supply companies will extend credit terms to you and then report your monthly payment to the business credit bureaus. Make sure you set up accounts in the name of the business. If you set up the account in your personal name and social security number, it will get reported to the consumer credit bureaus which won’t help you build a business credit score. You can also leverage your personal credit to set up lines of credit in the name of your business. Just be aware that this could severely harm your personal credit score if your business is not able to make timely payments. It also does nothing to protect your personal assets in the event of an issue with your business.

Information such as how long you have been in business, how many locations you have, who the principals of the company are, your revenues, how many employees you have, the industry you operate in and other similar information is contained in your business credit files. In addition, how you pay your “trade credit” accounts are also reported by your trade partners. Reporting to a business credit bureau is optional, so you can’t always be sure that any or all of your trade partners will report your business credit information.

Business credit is a rating of your company’s history of paying its financial obligations and is based on credit history established under the business’ tax ID number (Employer Identification Number-EIN), NOT the business owner’s Social Security Number. Think of your EIN as the Social Security Number for your business. There are many reasons why you should keep your personal credit and your business credit separate.

Many new or small business owners make a common mistake of funding their business through personal lines of credit or credit cards. This behavior could put them at financial risk if the business happens to get in trouble. For example, the bakery owner who uses his personal credit to buy supplies and pay the rent could be personally liable when he hasn’t paid in three months and creditors come knocking on their door.

Business credit can be one of the most important attributes your new or existing business ever has. It can be a lifeline, providing you with access to the cash and/or resources you need to sustain and grow, today or in the future. Business credit can also insulate you from personal liability if your business ever gets in trouble. Because your business credit is not tied to you personally through your Social Security Number, your business is solely liable for its financial responsibilities.

Establishing a business credit score can be vitally important. Most business owners will need business credit and/or trading partners to build or grow their businesses. It isn’t unusual for customers and prospects, including potential investors, to inspect your business credit to assess the financial stability of your company. A poor credit history, or no business profile, could make your business look like a high-risk endeavor

Business credit provides potential trading partners, like suppliers and creditors, with the information they need to determine whether you are a company they want to do business with. Your business credit “score,” not unlike a personal credit score, will demonstrate how you have paid your credit obligations and if you are a good credit risk. Your business credit “profile” contains essential information about your company such as how long you've been in business, who the principals are, revenues, business type, size and location; and any legal filings such as tax liens, judgments, or bankruptcies.

Dun & BradstreetDisputing a Dun & Bradstreet (D&B) credit report involves several steps to ensure that inaccuracies or outdated information are corrected. Here's how you can go about it:

1. Review Your Credit Report

2. Gather Supporting Documentation

3. Submit a Dispute

4. Follow Up on Your Dispute

5. Resolution

Tips for a Successful Dispute

By following these steps, you can ensure that your Dun & Bradstreet credit report accurately reflects your company's creditworthiness.

Equifax Business
Disputing inaccuracies on your Equifax business credit report involves a specific process. Here are the general steps to dispute information on your Equifax business credit report:

1. Obtain a Copy of Your Business Credit Report:

2. Review the Report Thoroughly:

3. Gather Supporting Documentation:

4. Initiate the Dispute:

5. Submit the Dispute:

6. Follow Up:

7. Review the Results:

8. Dispute Resolution:

It's crucial to be persistent and patient throughout the dispute process. Keep records of all communications and documentation related to your dispute. To contact Equifax Business to file an Equifax business credit report dispute, you can reach them via phone or mail:

By Phone: 800-727-8495
By Mail: P.O. Box 740249 Atlanta, GA 30374